Brown & Brown Inc (BRO)vsRyan Specialty Group Holdings Inc (RYAN)
BRO
Brown & Brown Inc
$66.19
-0.21%
FINANCIAL SERVICES · Cap: $22.81B
RYAN
Ryan Specialty Group Holdings Inc
$38.12
-1.42%
FINANCIAL SERVICES · Cap: $10.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Brown & Brown Inc generates 111% more annual revenue ($6.66B vs $3.16B). BRO leads profitability with a 18.1% profit margin vs 3.1%. BRO trades at a lower P/E of 21.8x. BRO earns a higher WallStSmart Score of 75/100 (B).
BRO
Strong Buy75
out of 100
Grade: B
RYAN
Hold47
out of 100
Grade: D+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 41.8%
Revenue surging 32.4% year-over-year
Reasonable price relative to book value
Every $100 of equity generates 37 in profit
Strong operational efficiency at 25.0%
Areas to Watch
Expensive relative to growth rate
Weak financial health signals
Distress zone — elevated risk
Trading at 9.1x book value
3.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : BRO
The strongest argument for BRO centers on Operating Margin, Revenue Growth, Price/Book. Profitability is solid with margins at 18.1% and operating margin at 41.8%. Revenue growth of 32.4% demonstrates continued momentum.
Bull Case : RYAN
The strongest argument for RYAN centers on Return on Equity, Operating Margin.
Bear Case : BRO
The primary concerns for BRO are PEG Ratio, Piotroski F-Score, Altman Z-Score.
Bear Case : RYAN
The primary concerns for RYAN are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 55.2x leaves little room for execution misses. Debt-to-equity of 7.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
BRO profiles as a growth stock while RYAN is a value play — different risk/reward profiles.
BRO carries more volatility with a beta of 0.58 — expect wider price swings.
BRO is growing revenue faster at 32.4% — sustainability is the question.
BRO generates stronger free cash flow (329M), providing more financial flexibility.
Bottom Line
BRO scores higher overall (75/100 vs 47/100), backed by strong 18.1% margins and 32.4% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Brown & Brown Inc
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Brown & Brown, Inc. markets and sells insurance products and services in the United States, Bermuda, Canada, the Cayman Islands, Ireland, and the United Kingdom. The company is headquartered in Daytona Beach, Florida.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative and tailored risk management services across various sectors. The company leverages a strong network of insurance wholesale operations and underwriting expertise to foster robust partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and optimizes client outcomes. With a commitment to growth and operational excellence, the firm is well-positioned to generate sustainable shareholder value within a dynamic and competitive insurance landscape.
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